One Holiday Loan, Made Simple.
As low as 5.00% APR*
Get a fixed rate as low as 5.00% APR* so your payment never changes.
Up to $5,000
Apply for any amount between $500 and $5,000.
12 Month Term
Pay your loan back over 12 months. Or pay it back sooner with no prepayment penalties!
45 Days until first payment
You don’t have to worry about your first payment for the first 45 days.**
What can you use it for?
Holiday expenses don’t always fit neatly into one category. Use your Holiday Loan for:
Gifts and holiday shopping
Holiday Travel
Heating and winter expenses
Unexpected seasonal expenses
and anything else the holidays bring your way.
Frequently Asked Questions About Holiday Loans
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A Holiday Loan can be used for just about anything you need. While it is commonly used for seasonal expenses like gifts, travel, and heating, you can use the funds for whatever you need.
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You can borrow between $500 and $5,000, subject to approval and underwriting criteria.
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Holiday Loans feature a fixed rate as low as 4.75% APR*. Your actual rate may vary based on creditworthiness and other underwriting criteria.
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Holiday Loans have a 12-month term, giving you a set timeline for repayment. However, you are welcome to pay off your loan early with no prepayment penalties.
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You may be able to push your first payment out by up to 45 days, giving you a little extra time before payments begin.
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Our Holiday Loans are available from now through December 31, 2026.
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Yes! Click Apply Now to get started with your Holiday Loan application. Make sure to click “Holiday Loan” in the loan type drop down on the second page of the application.
*APR=Annual Percentage Rate. Holiday loans are available from September 1, 2026 through December 31, 2026. Rate shown is based off credit score of 700+ and current (as of 9/17/2026) Prime Rate of 7.00% and is subject to change at any time and without notice. Not all applicants may qualify.
**Interest will accrue during this 45 day period.